MerchantGreatLATAM Merchant Account Rejected by US Processors?
US processors reject LATAM merchants due to 3.2% regional fraud rates, currency volatility (BRL/MXN/ARS), and local payment complexity. LATAM merchants need PIX (Brazil), SPEI (Mexico), OXXO, Boleto support with multi-currency processing.
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Conekta, Openpay, PagSeguro, Mercado Pago • 72% Approval
LATAM-Friendly Payment Processors
PagSeguro (Brazil)
- PIX native
- Highest BR approval
- Boleto, credit, debit
- Brazil only
- Higher rates
- CNPJ required >R$100K/mo
Conekta (Mexico)
- SPEI + OXXO
- Foreign entity OK
- Fast approval (3-5 days)
- Mexico only
- Corporate entity preferred
Mercado Pago
- Multi-country (BR, MX, AR, CL)
- PIX + local methods
- Easy integration
- High rates
- Holds for new merchants
LATAM Merchant Success Stories
Carlos Santos
Digital Services, São Paulo
"Stripe US rejected us for Brazil processing. PagSeguro approved us in 5 days with full PIX support. Now processing R$420K monthly with Boleto and credit card options."
Maria Garcia
E-commerce, Mexico City
"PayPal terminated us without notice. Conekta approved us in 3 days as foreign entity with RFC. Added SPEI and OXXO, boosting conversion by 31% and processing $280K MXN monthly."
Diego Fernandez
SaaS Platform, Buenos Aires
"Square rejected us due to regional fraud risk. Mercado Pago approved us in 6 days across BR, MX, AR. Multi-country processing saved $4,800 monthly vs separate providers."
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72% approval • PIX, SPEI, OXXO • Multi-currency
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